Everybody Knows Charlie

 

A couple of years ago I wrote about my friend Rebecca Wood and her adorable daughter Charlie:

Rebecca recently testified in front of Congress on behalf of Medicare for All. Instead of trying to tell her and Charlie's story second-hand, I'm presenting her written testimony verbatim (with her permission). It's a testament to both of their strength and preserverence, but also to how unbelievably screwed up our healthcare system can be.

We may disagree about the the best route forward to achieve it, but our ultimate goal is pretty much the same: Universal, quality, comprehensive healthcare coverage for everyone in the country, without the bureaucratic paperwork nightmare which so many people face in dealing with the system today.

The trailer above is a documentary in progress being made about Rebecca, Charlie and the ongoing fight for universal healthcare coverage:

Covered California Logo

This just in from Covered California...

  • The American Rescue Plan provides new and expanded financial help that will dramatically lower health insurance premiums for people who purchase coverage through Covered California
  • More than 400,000 Asian Americans in California, including the uninsured and people enrolled directly through a health insurance carrier, stand to benefit from the new financial help that is now available.
  • In order to maximize their savings, consumers need to enroll before the end of this month so they can begin benefitting from the new law on May 1.
  • Many Asian Americans will be able to get a high-quality plan for as little as $1 per month, while currently insured consumers could save up to $700 per month on their coverage if they sign up through Covered California.

SACRAMENTO, Calif. — Covered California announced the state’s Asian American community has until April 30 to sign up for health insurance coverage, and start benefitting from new financial help available through the American Rescue Plan as early as May 1. The landmark law provides new and increased federal tax credits that will lower health care premiums for more than 400,000 Asian Americans in California.

CMS Logo

CMS is targeting specific populations more closely in order to reduce racial healthcare coverage inequality:

Department of Health and Human Services (HHS) Secretary Xavier Becerra announced commitments from national organizations to support Black American outreach and enrollment efforts during the Special Enrollment Period (SEP) made available on HealthCare.gov by President Biden due to the COVID-19 Public Health Emergency. Black Americans represent roughly 13% of the U.S. population but 16% of the uninsured.

As part of the Black American Week of Action, April 25 – May 1, HHS and its partnership organizations will combine social media efforts to inform Black American consumers and spur enrollment in affordable, quality health plans through HealthCare.gov. An estimated 66% of Black uninsured adults now may have access to a zero-premium plan and 76% may be able to find a low-premium plan as a result of expanded coverage.

CMS Logo

This was actually announced last week, but I was mainly focused on the 2021 OEP enrollment report at the time:

Today, the U.S. Department of Health and Human Services (HHS) announced that to continue its efforts to increase access to enrollment assistance for consumers, the Centers for Medicare & Medicaid Services (CMS) will make $80 million available in grants to Navigators in Federal Marketplaces for the 2022 plan year. The funding, which will be used for outreach and education efforts, is the largest allocation CMS has made available for Navigator grants to date and represents an eight fold increase in funding from the previous year. CMS invested $10 million annually in the Navigator program beginning with funding awarded in 2018 for the 2019 plan year. CMS awarded $36.2 million in 2017 for the 2018 plan year, down from a high of $63 million awarded in 2016 for the 2017 plan year.

COVID-19 Icon

A picture is worth 1,000 words and all that.

I've done my best to label every state/territory, which obviously isn't easy to do for most of them given how tangled it gets in the middle.

Nearly 1 out of every 7 residents of North Dakota and Rhode Island have tested positive for COVID-19 to date.

More than 1 out of every 8 residents of South Dakota has tested positive to date.

More than 1 out of every 9 residents of Iowa, Utah, Tennessee, Arizona, Nebraska, Oklahoma, New Jersey and South Carolina.

More than 1 out of 10 in Arkansas, Alabama, New York, Kansas, Indiana, Delaware, Mississippi, Idaho, Illinois, Georgia, Florida, Wisconsin, Nevada, Montana and Minnesota.

More than 1 out of 20 in every state & territory EXCEPT Guam, Maine, Oregon, Vermont, zU.S. Virgin Islands, Hawaii, N. Mariana Islands & American Samoa.

As I noted last night, the healthcare provisions of the upcoming American Families Plan could be in jeopardy, due primarily to (wait for it) the liberal and progressive wings of the Democratic party squabbling over whether to pass ACA 2.0 or to beef up Medicare instead. Aside from the fact that this is likely a false choice (there seem to be several options available to pay for both, or at the very least to pay for large portions of each), this has also led to various factions of Democrats to move more assertively to ensure their priorities are included.

The New Democrat Coalition (NDC) consists of 94 mainstream House Democrats, including many of those who first took office after the 2018 midterms to help flip control of the House.

Another quick Connecticut update...I've received the following Special Enrollment Period (SEP) QHP selection numbers for the past three years, and they're pretty telling:

SEP Enrollment for the 2/15 – 4/15 Timeframe:

  • 2019 - 1,817
  • 2020 - 4,250
  • 2021 - 5,890

That averages out to:

  • 2019: 30/day
  • 2020: 70/day (2020 was a leap year)
  • 2021: 98/day

2020 isn't really a good comparison year, since COVID had already started ravaging the U.S. by mid-March and Connecticut also launched a COVID SEP from March 18th - April 17th last year as well. The spring of 2019, however, didn't have anything special going on, so that's a perfect pre-COVID comparison year: The 2021 COVID SEP racked up 3.26x as many new enrollees as you'd typically expect to during the off-season for the same time period.

A week or so ago, Access Health CT's COVID Special Enrollment Period ended...but they also announced that they're re-launching a new SEP starting on May 1st anyway. This amounts to them taking a 2-week pause to reprogram/retool their website to take advantage of the expanded ACA subsidies under the American Rescue Plan.

At the time, they were only allowing current exchange enrollees to switch plans mid-year via a cumbersome process of calling into the exchange directly. Today it sounds like that's been changed:

Access Health CT American Rescue Plan Act Policy

The Biden Administration's first major bill was, of course, the American Rescue Plan, which actually consisted of perhaps a dozen smaller bills which were debated and passed out of a bunch of different House/Senate committees individually before being merged together into the larger package bill.

The next major legislative effort in the works is supposed to be an even larger omnibus infrastructure bill, broken into two major sections: "The American Jobs Plan" and "The American Families Plan". The "Jobs Plan" is supposed to include so-called "hard infrastructure". Here's the summary of the major bullets according to the White House website:

It's been nearly a month since I posted my final estimate of the official national and state-level tally for the 2021 Open Enrollment Period (OEP). At the time, I pegged the final total at just barely over 12.0 million QHP selections nationally...the first time an ACA OEP had hit that threshold since the end of the Obama Administration (this seems fitting for obvious reasons).

Earlier today, the Centers for Medicare & Medicaid (CMS) issued the official 2021 OEP report, as well as the accompanying Public Use Files (PUFs) which break the data out in all sorts of ways. Let's dig in!

First, the topline numbers: 

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